Friday, August 18, 2017

FINANCIAL FRIDAY: CONSISTENT SAVINGS




Happy new day! I hope you are having a blessed week! The autumn season is approaching but with these extremely hot temperatures it seems so far away. This LBD has been a long time favorite of mine.... with the right accessories it can take you from day to night and season to season. Therefore it's super versatile and can save you loads of money. As for me, the money I saved by not purchasing another black dress will be used towards the $500 challenge.

I wanted to share a few quick tips on how to get started with saving and most importantly remaining consistent with it.

1. Have a financial vision for your life. A clear vision with time frames will push you and encourage you to spend wisely.

2. Clearly understand where you are financially. There is so much power in knowing where you are financially whether good or bad. It forces you into a mindset of accountability. The way you become accountable financially is by tracking every dollar spent and making sure it goes in the direction that best supports your financial vision.

3. Develop a consist savings plan. Remember, pay yourself first because if you wait until the end then chances are you will spend your savings. The amount you start saving initially doesn't have to be a lot because most important is developing the habit of saving. Therefore big or small try to save and grow it all. Once the habit has been created then challenge yourself to save at least 50% of your income if possible to allow your savings an opportunity to compound faster.

4. Whether you are just starting the journey to saving or you are just working on increasing your savings just enjoy the process and remain grateful. The road to financial freedom is not easy but with complete joy the journey becomes worth it.





SHOP THE OUTFIT



Thank you so much for your support and I pray you have  blessed weekend!

Tahari ASL black dress similar Here
Schutz wrap sandals Here Luxe for less Here
Versace sunglasses Here
Ralph Lauren double zip satchel Here


Monday, August 7, 2017

MY QUOTE OF THE DAY!








"....prioritize your faith and never allow anything to distract you whether it's close or far away...."


Have a blessed week!

Friday, August 4, 2017

FINANCIAL FRIDAY: SAVE OR SPEND







Happy new day! I pray you are having a fabulous week! I often receive a popular question "Should I save first or spend my money on bills then save later?"   You should always save first!  I feel the biggest and most important bill that you'll ever pay is to yourself. Therefore immediately after your money is deposited into your bank account transfer a certain percentage of savings into a cash account.  If you are uncertain what a cash account is then read my post here on the different types of cash accounts you should have. 





 Now the one thing that can complicate the system of savings is if you have a large amount of debt. You definitely want to pay off your debt immediately because trying to save while  accumulating interest on your debt will put you at a negative savings rate. When paying off debt be sure to have an emergency fund so you won't have to go back to charging items when an unexpected emergency arises. I also have a post here on what an emergency fund is.






   Remember the journey to savings and becoming financially free is not always easy but it is definitely worth it.  That is why this blog exist, to encourage you to only look back for the lessons and look forward for your blessings. ..and continue to make sure your thoughts and feelings are in line with your actions. Well I pray that you have a blessed weekend and as always thank you for your support!











  
Michael Kors dress...similar here Jimmy Choose Henna pump..here Versace sunglasses here



Have a blessed weekend!!!

Monday, July 31, 2017

MY QUOTE OF THE DAY!



....WORDS WILL ALWAYS BE SPOKEN OVER YOU...BUT THE MOST IMPORTANT WORDS ARE THOSE YOU SPEAK AND CONTINUE SPEAKING INSIDE YOU....

Have a blessed week!

Sunday, July 23, 2017

UPDATED SHOE COLLECTION








Happy new day! I wanted to share the shoes I added to my collection. The $500 Challenge has motivated me to be more intentional about my purchases as mentioned here  in my last post. Therefore,  I wanted to add some designer pieces that I could enjoy and get a lot of wear out of... and that would last for quite some time.  I brought these shoes last year and a couple at the beginning of 2017.  I have not purchased any other shoes this year.  I've noticed that the soles wear down very quickly on designer heels so I try not to repeat the same shoe day after day. When I am not wearing these shoes I store them in its original box and dust bag. I haven't resoled any of these but I'm sure I will have to do it in the future.





Similar here

 Anytime I'm looking for a pop of color I grab these red heels and it instantly glams up any look!



 These are probably the only ones that I wear on special occasions because the python is so delicate.




 I love that these heels have a curvaceous silhouette that makes it perfect for all occasions.  I chose open toe because the majority of the year I experience warmer temperatures. I plan to purchase the closed toe black pumps as well.


 I was a little worried about these shoes because when I get really hot my feet tend to swell and I felt the lace would be too uncomfortable.  However overall these sandals are absolutely comfortable and they pair well with all my summer outfits.






 I wear these with jeans, dresses and any look that I want to jazz up with some sparkle and shine! Basically these are not just  date night shoes for me.

I love that all these heels compliment my wardrobe and will transition well into the autumn season. As always thank you for reading! Have a blessed new week!







Monday, July 17, 2017

MONDAY MONEY













Happy Monday! I hope you had a great weekend! I wanted to share a quick tip on how I save money and most importantly time by investing in the clothes I currently have. Last year, when I started the $500 challenge I was inspired to reorganize my closet in a way that could help me save money towards this challenge. At this time, I honestly could have gone a long time without repeating wearing the same clothing. I realized that I had more than enough but I was still accumulating so much more. Therefore,  I prayed for clarity in how to stop being wasteful with my clothes and most importantly in all areas of my life.  

After my closet makeover I was left with items I truly love to wear, fit properly, and are made of great quality. Now, I don't let any items enter into my closet unless I'm certain the items will coordinate with the clothing I currently have. This ensures that I will definitely wear the item verses it sitting in my closet occupying space. I also love that I don't duplicate buying  items I currently have in my closet because I am more aware of what I have now.  Basically, my purchases are intentional and it saves me so much time, energy and money.

This floral dress was purchased last year and the length was almost past my knees. I really wanted this item to stay in my summer wardrobe for this year because I love the print. However, I didn't like the fit. I'm 5 '1 so this dress being so long made me look even shorter. One option was to buy another floral dress that fit the way I desired. However,  I decided to take it to my tailor and it cost me $16 to get this dress altered to fit properly. Well for that price I feel I could not buy another dress made of this quality for $16. I not only save money but I saved time searching online or in the stores looking for another dress. Our time is one of God's greatest gifts and I would rather use my time in the best way to honor that gift.






As always thank you for reading! Have a blessed week!

Antonio Melani floral sheath dress similar  here or  here
Jimmy Choo henna pump here
Ralph Lauren cat eye sunglasses here

Friday, July 14, 2017

MY QUOTE OF THE DAY




"...A success story is one that brings glory and that's filled with faith and determination to always keep going...."

Have a blessed weekend!

Nina caged sandals here
Off shoulder bandage dress similar here



Monday, July 10, 2017

MONEY MONDAY!








Happy new day! I want to share a few tips on saving money. It's an amazing feeling when you can love saving just as much as you love spending. When spending is out of control and there is no adequate savings plan in place it creates a cycle of living paycheck to paycheck. 

1. Make it automatic!  When money has no assignment it becomes dangerous and at risk of being spent. Therefore, once you determine your target savings amount immediately have that amount drafted at a specific date into your savings so you never touch it or see it.

2. Avoid paying interest! The average consumer debt is out of control. The fact is because people have no money saved they are forced to borrow. When you borrow money you become enslaved to the lender until all of it is paid off. When you have money saved the only person you will have to borrow from is yourself. 
However, if you do have any debt putting a system together to eliminate that debt very quickly will save you so much in interest. Remember the more you save in interest the more you can save towards financial independence.

3. Last, invest in what you love! When you purchase things on impulse or just because society tells you that you need it then over time it will cost you a lot of money. When you self develop you become aware of the things that truly bring you happiness and are worth you spending money or time on.









Thank you as always for your support! Have a blessed week!

Dress: Anne Klein size 2 (altered) here
Bag: Coach crossbody  here
Shoes: Aquazzura Amazon lace up sandals here
Sunglasses: Ralph Lauren  cat eye sunglasses Here

Friday, July 7, 2017

WRAP DRESS: BLACK & GOLD




















 Have a blessed weekend!

Wrap dress...similar here
heels....similar here and here
sunglasses....here
bag....here

Friday, June 30, 2017

MY QUOTE OF THE DAY!






"COMMIT TO WIN AND NEVER ALLOW UNJUSTIFIED FEELINGS TO ENTER IN"

Have a blessed weekend!





Gianni Bini dress...similar here
Jessica Simpson heels....here












Wednesday, June 28, 2017

SUMMER WHITES....





Have a blessed rest of the week!

Jcrew shirt : here
Bebe jumpsuit: here
Michael Kors heels: similar here
Whbm Clutch...similar here
Versace sunglasses. ..Here

Thursday, June 22, 2017

VERSATILE







Happy new day! I pray you are having a great week! I grabbed my camera and tripod just in time to capture these portraits before sunset. I wanted to share one of my most versatile items which is the leather skirt. A leather skirt pairs well with a range of separates. Therefore creating an investment item that transitions perfectly from day to night and season to season. I gravitated towards a more casual daytime look by pairing with a lightweight shell top and I  accessorized with a few metallic pieces for some daytime glam!





What is your most versatile wardrobe item? Thank you as always for reading and have a blessed rest of the week!

 Top : Loft
Skirt: Ann Taylor similar here
Shoes: similar here
glasses: Jessica Simpson  (old)



Monday, June 19, 2017

CHECK UP TIME!






Happy new day! I pray you are having a great week! I'm amazed how quickly time has passed this year. This is a great time to review financial goals that were set at the beginning of the year and track if you are on pace to achieve them. If you are on pace then awesome keep going! I'm always here to encourage you!!  If you aren't don't get discouraged because today is a new day and a new opportunity to change your life financially. A few things to remember on your financial journey:

1. When you review your goals often it will decrease your chances of getting off track. Create daily habits that match your goals as well. These habits will increase your commitment level!

2. If your plan is not working then respond quickly and change it. If you don't know how then seek advice from the financial experts. I often tell my clients you are one or two decisions away from changing your life.

3. Speak positive affirmations about where you are going financially and remain humble along the way.

4. Never tie your happiness to a future event..for example saying things like  " I'll be happy when I have ______" . This thought process will cause you to miss happy moments in life. Happiness is available now no matter what your financial portfolio looks like. Basically the journey should be joyful!

5. Last never give up on those financial goals! Celebrate those mistakes because you have learned a valuable lesson that will change your life and allow you to change someone else's life when you share it. The more you are blessed to know the more you are positioning your life to grow!












 As always thank you for stopping by and have a blessed weekend!



Top: BcBg
skirt: Dillards
Shoes: Chinese Laundry
Glasses: Versace
wallet: Coach



Wednesday, June 7, 2017

ASKING THE RIGHT QUESTIONS ...




Happy Wednesday! I hope you are having a great week!
I wanted to share some of the right questions to ask yourself before accumulating any asset. How you accumulate assets affects your financial freedom!

1. Does this item appreciate or depreciate in terms of value? If it doesn't increase your net worth then it's probably not going to get you closer to financial freedom.

2. What is the cost of the item today verses the total cost I'll pay when the item is paid off. For example, if you plan to purchase a home at a cost of $100,000 for 30 years today but the total cost will be $300,000 when you have paid it off. You instantly should know there is a problem.  Would you prefer all that interest to go to the lender or into your savings?

3. When will I pay this item off? A great rule is to add the number of years you plan to pay for the item to your current age. Do you really want to be paying on that item for so many years? When do you enjoy the item if you never own it? In the house example above, do you want to seriously pay on that home for 30 plus years just because the monthly payment is comfortable? 









There is a better way to accumulate assets without over paying in time and money. However according to overwhelming debt statistics most people are not aware of how to do it. It starts with the right questions and ends with the right financial plan of action. 

Thank you for reading and have a blessed weekend!

Tank  (here)
Ann Taylor wrap skirt (here)
Nine West sandals (here)
Coach bag (here)

Monday, June 5, 2017

MY QUOTE OF THE DAY









".... when deeply rooted in love and faith you will have the energy needed to face each day...no worries about tomorrow or the next day just apply all your energy into making today the best day...


Have a blessed day!



Friday, June 2, 2017

OUTFIT OF THE DAY!





Hi!  Hope you are having a fun week! The temperature is heating up so this look will probably consume my summer lookbook.....a tank and a skirt. I particularly love that this tank highlights the shoulders and the skirt is flared with eyelet details to create an attractive summer look.  

 Thank you for stopping by. I hope you have a blessed weekend!


 Ralph Lauren tank... (here)
J Crew skirt...sold out..similar  (here)
Gianni Bini red pumps...sold out... (here)
Jessica Simpson sunglasses..... (here)